/* ════════════════════════════════════
   Y1 MONEY — CALCULATOR PAGES
   Stable Money-style layout
   ════════════════════════════════════ */

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  color:#191919;background:#fff;line-height:1.55;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.w{max-width:1200px;margin:0 auto;padding:0 32px}

/* ═══ NAV ═══ */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:100;
  background:rgba(255,255,255,.95);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  box-shadow:0 1px 0 rgba(0,0,0,.06);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.nav-logo{display:flex;align-items:center;gap:8px;font-size:16px;font-weight:700;letter-spacing:-.02em;color:#191919}
.nav-logo img{width:28px;height:28px}
.nav-right{display:flex;align-items:center;gap:28px}
.nav-link{font-size:14px;font-weight:500;color:#525252;transition:color .2s}
.nav-link:hover{color:#191919}
.nav-link--active{color:#191919;font-weight:600}
.nav-btn{
  font-size:13px;font-weight:600;padding:9px 22px;
  border-radius:999px;background:#191919;color:#fff;
  transition:background .2s;
}
.nav-btn:hover{background:#333}
.nav-burger{display:none;background:none;border:none;cursor:pointer;width:32px;height:32px;position:relative}
.nav-burger span,.nav-burger span::before,.nav-burger span::after{
  display:block;width:20px;height:1.5px;background:#191919;
  border-radius:2px;position:absolute;left:6px;transition:all .3s;
}
.nav-burger span{top:15px}
.nav-burger span::before{content:'';top:-6px}
.nav-burger span::after{content:'';top:6px}

/* ═══ TOP PROMO BANNER ═══ */
.promo-banner{
  margin-top:64px;
  background:linear-gradient(135deg,#0a0a0a 0%,#1a1a2e 50%,#0a0a0a 100%);
  color:#fff;
  padding:28px 0;
  position:relative;
  overflow:hidden;
}
.promo-banner::before{
  content:'';position:absolute;top:-50%;right:-10%;
  width:500px;height:500px;
  background:radial-gradient(circle,rgba(59,130,246,.15) 0%,transparent 70%);
  pointer-events:none;
}
.promo-inner{
  display:flex;align-items:center;justify-content:space-between;gap:40px;
}
.promo-left{flex:1;max-width:480px}
.promo-left h2{font-size:20px;font-weight:700;margin-bottom:6px;letter-spacing:-.01em}
.promo-left .promo-rate{font-size:36px;font-weight:800;color:#60a5fa;letter-spacing:-.02em}
.promo-left p{font-size:13px;color:rgba(255,255,255,.5);margin-top:6px}
.promo-left .promo-cta{
  display:inline-flex;align-items:center;gap:6px;
  margin-top:14px;padding:10px 24px;
  background:#3B82F6;color:#fff;border-radius:999px;
  font-size:13px;font-weight:600;
  transition:background .2s;
}
.promo-left .promo-cta:hover{background:#2563eb}

/* Mini calculator in banner */
.promo-right{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  border-radius:14px;padding:20px 24px;
  min-width:320px;
}
.promo-mini-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:7px 0;font-size:13px;
}
.promo-mini-row .label{color:rgba(255,255,255,.5)}
.promo-mini-row .value{font-weight:600;color:#fff}
.promo-mini-row .value--highlight{color:#60a5fa}
.promo-mini-row .value--green{color:#22c55e}
.promo-mini-divider{height:1px;background:rgba(255,255,255,.08);margin:4px 0}
.promo-mini-btn{
  display:block;width:100%;text-align:center;
  margin-top:12px;padding:10px;
  background:#3B82F6;color:#fff;border-radius:10px;
  font-size:13px;font-weight:600;
  transition:background .2s;
}
.promo-mini-btn:hover{background:#2563eb}

/* ═══ BREADCRUMB ═══ */
.breadcrumb-section{padding:20px 0 0}
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:13px;color:#737373;flex-wrap:wrap}
.breadcrumb a{color:#525252;transition:color .2s}
.breadcrumb a:hover{color:#191919}
.breadcrumb .sep{color:#d4d4d4}
.breadcrumb .current{color:#191919;font-weight:500}

/* ═══ MAIN 2-COLUMN LAYOUT ═══ */
.page-layout{
  display:grid;
  grid-template-columns:1fr 340px;
  gap:40px;
  padding:24px 0 80px;
  align-items:start;
}
.page-main{min-width:0}

/* ═══ CALCULATOR CARD ═══ */
.calc-header{margin-bottom:24px}
.calc-header h1{font-size:28px;font-weight:800;letter-spacing:-.02em;line-height:1.2}
.calc-header p{font-size:14px;color:#737373;margin-top:6px;line-height:1.6}

.calc-widget{
  background:#fff;border:1px solid #e5e5e5;border-radius:16px;padding:28px;
  margin-bottom:40px;
}
.calc-widget-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}

/* Form fields */
.field{margin-bottom:24px}
.field:last-child{margin-bottom:0}
.field-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.field-label span{font-size:13px;font-weight:600;color:#191919}
.field-input-wrap{position:relative}
.field-input{
  width:100%;border:1px solid #e5e5e5;border-radius:10px;padding:11px 14px;
  font-family:inherit;font-size:14px;font-weight:600;color:#191919;
  outline:none;transition:border-color .2s;
  -moz-appearance:textfield;
}
.field-input:focus{border-color:#3B82F6}
.field-input::-webkit-inner-spin-button,
.field-input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
.field-prefix{
  position:absolute;left:14px;top:50%;transform:translateY(-50%);
  font-size:14px;font-weight:600;color:#737373;pointer-events:none;
}
.field-suffix{
  position:absolute;right:14px;top:50%;transform:translateY(-50%);
  font-size:12px;font-weight:500;color:#737373;pointer-events:none;
}
.field-input--prefix{padding-left:28px}
.field-input--suffix{padding-right:44px}

/* Range slider */
.field-range{
  -webkit-appearance:none;appearance:none;
  width:100%;height:5px;border-radius:3px;
  background:#e5e5e5;outline:none;margin-top:12px;cursor:pointer;
}
.field-range::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:20px;height:20px;border-radius:50%;
  background:#3B82F6;border:3px solid #fff;
  box-shadow:0 1px 4px rgba(0,0,0,.15);cursor:pointer;
  transition:transform .15s;
}
.field-range::-webkit-slider-thumb:hover{transform:scale(1.15)}
.field-range::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;
  background:#3B82F6;border:3px solid #fff;
  box-shadow:0 1px 4px rgba(0,0,0,.15);cursor:pointer;
}

/* Select */
.field-select{
  width:100%;border:1px solid #e5e5e5;border-radius:10px;padding:11px 14px;
  font-family:inherit;font-size:14px;font-weight:600;color:#191919;
  background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%23737373' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") no-repeat right 14px center;
  -webkit-appearance:none;appearance:none;cursor:pointer;outline:none;
  transition:border-color .2s;
}
.field-select:focus{border-color:#3B82F6}

/* Toggle switch */
.toggle-row{display:flex;align-items:center;gap:10px;margin-bottom:20px}
.toggle-row label{font-size:13px;font-weight:500;color:#525252;cursor:pointer}
.toggle-switch{position:relative;width:40px;height:22px;cursor:pointer}
.toggle-switch input{display:none}
.toggle-track{
  position:absolute;inset:0;border-radius:11px;
  background:#e5e5e5;transition:background .2s;
}
.toggle-switch input:checked+.toggle-track{background:#3B82F6}
.toggle-thumb{
  position:absolute;top:2px;left:2px;
  width:18px;height:18px;border-radius:50%;
  background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.15);
  transition:transform .2s;pointer-events:none;
}
.toggle-switch input:checked~.toggle-thumb{transform:translateX(18px)}

/* ═══ DONUT CHART ═══ */
.donut-wrap{display:flex;justify-content:center;margin-bottom:24px;position:relative}
.donut-svg{width:180px;height:180px;transform:rotate(-90deg)}
.donut-ring{fill:none;stroke:#f0f0f0;stroke-width:26}
.donut-seg1{fill:none;stroke:#3B82F6;stroke-width:26;stroke-linecap:butt;transition:stroke-dasharray .5s ease}
.donut-seg2{fill:none;stroke:#E8972A;stroke-width:26;stroke-linecap:butt;transition:stroke-dasharray .5s ease,stroke-dashoffset .5s ease}
.donut-seg3{fill:none;stroke:#22c55e;stroke-width:26;stroke-linecap:butt;transition:stroke-dasharray .5s ease,stroke-dashoffset .5s ease}
.donut-center{
  position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  text-align:center;
}
.donut-center-label{font-size:10px;color:#737373;font-weight:500;text-transform:uppercase;letter-spacing:.04em}
.donut-center-value{font-size:17px;font-weight:800;color:#191919;letter-spacing:-.02em;margin-top:2px}

/* Result rows */
.result-rows{display:flex;flex-direction:column;gap:0}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid #f0f0f0}
.result-row:last-child{border-bottom:none}
.result-row-left{display:flex;align-items:center;gap:8px}
.result-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}
.dot-blue{background:#3B82F6}
.dot-orange{background:#E8972A}
.dot-green{background:#22c55e}
.dot-dark{background:#191919}
.result-label{font-size:13px;color:#525252;font-weight:500}
.result-value{font-size:15px;font-weight:700;color:#191919;letter-spacing:-.01em}

.cta-btn{
  display:block;width:100%;text-align:center;
  padding:14px;border-radius:999px;margin-top:20px;
  background:#191919;color:#fff;
  font-size:14px;font-weight:600;letter-spacing:-.01em;
  border:none;cursor:pointer;transition:background .2s,transform .15s;
}
.cta-btn:hover{background:#333;transform:translateY(-1px)}

/* ═══ SIDEBAR ═══ */
.page-sidebar{position:sticky;top:84px}
.sidebar-card{
  background:#fff;border:1px solid #e5e5e5;border-radius:14px;
  padding:20px;margin-bottom:16px;
}
.sidebar-card h3{
  font-size:14px;font-weight:700;color:#191919;
  margin-bottom:14px;letter-spacing:-.01em;
}
.sidebar-links{list-style:none}
.sidebar-links li{margin-bottom:0}
.sidebar-links a{
  display:flex;align-items:center;justify-content:space-between;
  padding:9px 12px;border-radius:8px;
  font-size:13px;font-weight:500;color:#525252;
  transition:background .15s,color .15s;
}
.sidebar-links a:hover{background:#f5f5f5;color:#191919}
.sidebar-links a.active{background:#f0f7ff;color:#3B82F6;font-weight:600}
.sidebar-links .arrow{font-size:10px;color:#d4d4d4;transition:color .15s}
.sidebar-links a:hover .arrow{color:#737373}
.sidebar-group-title{
  font-size:11px;font-weight:600;color:#a1a1a1;
  text-transform:uppercase;letter-spacing:.06em;
  padding:12px 12px 6px;
}

/* ═══ TABLE OF CONTENTS ═══ */
.toc{
  background:#fff;border:1px solid #e5e5e5;border-radius:14px;
  padding:16px 20px;margin-bottom:32px;
}
.toc-toggle{
  display:flex;align-items:center;justify-content:space-between;
  cursor:pointer;background:none;border:none;width:100%;
  font-family:inherit;font-size:14px;font-weight:700;color:#191919;
  padding:0;
}
.toc-toggle .chevron{
  width:20px;height:20px;transition:transform .2s;
  display:flex;align-items:center;justify-content:center;
  font-size:12px;color:#737373;
}
.toc.open .toc-toggle .chevron{transform:rotate(180deg)}
.toc-list{
  list-style:none;margin-top:12px;display:none;
  border-top:1px solid #f0f0f0;padding-top:12px;
}
.toc.open .toc-list{display:block}
.toc-list li{margin-bottom:0}
.toc-list a{
  display:block;padding:6px 0;
  font-size:13px;color:#525252;font-weight:500;
  transition:color .15s;
}
.toc-list a:hover{color:#3B82F6}

/* ═══ SEO CONTENT ═══ */
.seo-content{margin-bottom:48px}
.seo-content h2{
  font-size:22px;font-weight:800;margin-bottom:14px;margin-top:36px;
  letter-spacing:-.02em;line-height:1.3;
}
.seo-content h2:first-child{margin-top:0}
.seo-content h3{
  font-size:17px;font-weight:700;margin-bottom:10px;margin-top:28px;
  letter-spacing:-.01em;
}
.seo-content p{font-size:14px;color:#525252;line-height:1.8;margin-bottom:12px}
.seo-content ul,.seo-content ol{padding-left:20px;margin-bottom:14px}
.seo-content li{font-size:14px;color:#525252;line-height:1.8;margin-bottom:4px}
.seo-content strong{color:#191919}
.seo-content .formula{
  background:#f8f9fa;border:1px solid #e5e5e5;border-radius:10px;
  padding:16px 20px;margin:16px 0;font-size:14px;font-weight:600;
  color:#191919;font-family:'SF Mono',Monaco,Consolas,monospace;
}
.seo-content table{
  width:100%;border-collapse:collapse;margin:16px 0;
  font-size:13px;
}
.seo-content table th{
  background:#f8f9fa;padding:10px 14px;text-align:left;
  font-weight:600;color:#191919;border:1px solid #e5e5e5;
}
.seo-content table td{
  padding:10px 14px;border:1px solid #e5e5e5;color:#525252;
}
.seo-content .callout{
  background:#f0f7ff;border-left:3px solid #3B82F6;
  border-radius:0 10px 10px 0;padding:14px 18px;margin:16px 0;
  font-size:14px;color:#191919;
}

/* ═══ FAQ ACCORDION ═══ */
.faq-section{margin-bottom:48px}
.faq-section h2{
  font-size:22px;font-weight:800;margin-bottom:20px;letter-spacing:-.02em;
}
.faq-item{border-bottom:1px solid #e5e5e5}
.faq-item:first-child{border-top:1px solid #e5e5e5}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 0;cursor:pointer;
  background:none;border:none;width:100%;text-align:left;
  font-family:inherit;font-size:14px;font-weight:600;color:#191919;
  gap:16px;
}
.faq-q .faq-icon{
  width:24px;height:24px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-size:18px;color:#737373;transition:transform .2s;
  font-weight:300;
}
.faq-item.open .faq-q .faq-icon{transform:rotate(45deg)}
.faq-a{
  display:none;padding:0 0 16px;
  font-size:14px;color:#525252;line-height:1.75;
}
.faq-item.open .faq-a{display:block}

/* ═══ TRUST SECTION ═══ */
.trust-section{
  background:#f8f9fa;border-radius:16px;
  padding:40px;text-align:center;margin-bottom:48px;
}
.trust-section h3{font-size:18px;font-weight:700;margin-bottom:6px;letter-spacing:-.01em}
.trust-section p{font-size:13px;color:#737373;margin-bottom:24px}
.trust-badges{display:flex;justify-content:center;gap:24px;align-items:center;flex-wrap:wrap}
.trust-badge{
  background:#fff;border:1px solid #e5e5e5;border-radius:12px;
  padding:16px 24px;display:flex;align-items:center;gap:12px;
}
.trust-badge-stars{color:#E8972A;font-size:14px;letter-spacing:1px}
.trust-badge-score{font-size:22px;font-weight:800;color:#191919}
.trust-badge-sub{font-size:11px;color:#737373}
.trust-badge-store{
  display:inline-flex;align-items:center;gap:6px;
  padding:8px 16px;background:#191919;color:#fff;
  border-radius:8px;font-size:12px;font-weight:600;
}

/* ═══ FOOTER ═══ */
.footer{
  background:#0a0a0a;color:#fff;
  padding:48px 0 32px;
}
.footer-grid{
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;
  gap:32px;margin-bottom:40px;
}
.footer-brand-col p{font-size:12px;color:#737373;line-height:1.7;margin-top:12px;max-width:280px}
.footer-brand-col img{width:24px;height:24px;filter:brightness(0) invert(1)}
.footer-col h4{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:#fff;margin-bottom:14px}
.footer-col a{display:block;font-size:13px;color:#737373;padding:4px 0;transition:color .15s}
.footer-col a:hover{color:#fff}
.footer-socials{display:flex;gap:12px;margin-top:16px}
.footer-socials a{
  width:36px;height:36px;border-radius:50%;
  background:rgba(255,255,255,.06);
  display:flex;align-items:center;justify-content:center;
  font-size:14px;color:#737373;transition:background .2s,color .2s;
}
.footer-socials a:hover{background:rgba(255,255,255,.12);color:#fff}
.footer-divider{height:1px;background:rgba(255,255,255,.06);margin-bottom:24px}
.footer-bottom{display:flex;justify-content:space-between;align-items:flex-start;gap:24px}
.footer-legal{font-size:11px;color:#525252;line-height:1.7;max-width:800px}
.footer-legal a{color:#737373;text-decoration:underline}
.footer-copy{font-size:11px;color:rgba(255,255,255,.2);white-space:nowrap}

/* ═══ RESPONSIVE ═══ */
@media(max-width:1024px){
  .page-layout{grid-template-columns:1fr;gap:32px}
  .page-sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:16px}
  .promo-inner{flex-direction:column;text-align:center}
  .promo-right{min-width:auto;max-width:400px;width:100%}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px}
}
@media(max-width:768px){
  .w{padding:0 20px}
  .nav-burger{display:block}
  .nav-right{
    position:fixed;top:0;right:-100%;width:260px;height:100vh;
    background:#fff;flex-direction:column;padding:80px 32px 32px;
    gap:20px;box-shadow:-4px 0 20px rgba(0,0,0,.08);transition:right .3s;z-index:101;
  }
  .nav-right.open{right:0}
  .calc-widget-grid{grid-template-columns:1fr;gap:20px}
  .calc-header h1{font-size:22px}
  .page-sidebar{grid-template-columns:1fr}
  .promo-banner{padding:20px 0}
  .promo-left .promo-rate{font-size:28px}
  .trust-section{padding:28px 20px}
  .trust-badges{flex-direction:column}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
}
@media(max-width:480px){
  .w{padding:0 16px}
  .calc-widget{padding:20px}
  .donut-svg{width:150px;height:150px}
  .donut-center-value{font-size:15px}
}